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Access to your funds for day-to-day life.
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We work around you.

Whether you’re an early bird or a night owl, we provide business lending on your schedule. Our online loan portal reduces the application process timeline by 23 hours or more – saving you precious time to focus on running your company.

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Online user-friendly application to help you gather and upload documents.
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Start and save your application to finish at your convenience.
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Speedy turnaround time – fast approval decisions!
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Check the background of this firm or your financial professional on FINRA's BrokerCheck.

Since no two paths are alike, there is no cookie-cutter solution to investments and retirement planning. At Spectra Investment Services, we believe your investment and retirement plans should be as unique as the path you took to get here.

Get Pre-Qualified with a PAL

With a Pre-Approved Loan (PAL) check, you'll have the purchasing power to make your next auto-buying experience a breeze.
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1. Apply online
Submit an application online, in person, or over the phone.
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2. Get approved
Receive your loan documents in-branch or via next-day mail.
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3. Sign your PAL check
Just make the check payable to the dealer!
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4. Drive away in a new car
We’ll confirm your purchase details and final loan info.
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Enjoy worldwide access to your account 24/7.

Plus, get paid up to two days early with EarlyPay!1

  • Free! Absolutely no monthly service fee or balance requirement
  • Free eStatements
  • Free first order of checks
  • Free VISA® DEBIT chip card 
  • Free Bill Pay, direct deposit, and remote deposit
  • Free overdraft protection from your savings accounts and/or with an overdraft line of credit
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Money Market

Earn money while maintaining access to your funds.

  • Earn dividends1
  • Easy access to funds via check
  • Balances greater than $250,000 receive up to $250,000 in additional coverage through Excess Share Insurance Corporation, at no cost to you
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Rates as of current date

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
New Vehicles
APR* as low as
4.95%
Terms
36
Est. Monthly Payment
$29.95
APR* as low as
5.55%
Terms
48
Est. Monthly Payment
$23.28
APR* as low as
5.60%
Terms
60
Est. Monthly Payment
$19.15
APR* as low as
5.90%
Terms
72
Est. Monthly Payment
$16.53
APR* as low as
6.40%
Terms
84
Est. Monthly Payment
$14.80
APR* as low as
6.90%
Terms
96
Est. Monthly Payment
$13.58
Used Vehicles
APR* as low as
5.75%
Terms
36
Est. Monthly Payment
$30.31
APR* as low as
5.95%
Terms
48
Est. Monthly Payment
$23.46
APR* as low as
6.25%
Terms
60
Est. Monthly Payment
$19.45
APR* as low as
6.55%
Terms
72
Est. Monthly Payment
$16.83
Boat Loans
APR* as low as
8.50%
Terms
Up to 120
Est. Monthly Payment
$13.80 - $31.57
Recreational Vehicle Loans
APR* as low as
8.25%
Terms
Up to 120
Est. Monthly Payment
$13.66 - $31.45

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR* as low as
10.50%
Terms
Up to 72
Line of Credit
APR* as low as
12.75%
Terms
N/A
Share & Certificate Secured Loan
APR* as low as
Current +2%
Terms
N/A
Home Improvement Loan
APR* as low as
12.00%
Terms
Up to 180

Business Checking/Savings Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Business Share Draft/Checking
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
$100
Business Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$100
Business Money Market
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
<$2,500
Business Money Market
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
$2,500 - $49,999.99
Business Money Market
Dividend Rate
1.10%
APY*
1.10%
Minimum Balance to Open
$50,000 - $99,999.99
Business Money Market
Dividend Rate
1.35%
APY*
1.35%
Minimum Balance to Open
$100,000 - $249,999.99
Business Money Market
Dividend Rate
1.50%
APY*
1.50%
Minimum Balance to Open
$250,000+

Checking Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Share Draft/Checking
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
None
Money Market
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
<$2,500
Money Market
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
1.10%
APY*
1.10%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
1.35%
APY*
1.35%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
1.50%
APY*
1.50%
Minimum Balance to Open
$250,000+

Savings Rates

Deposit Type
Dividend Rate
APY*
Min. Balance to Open
Term (Months)
Basic Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$5.00
Term
None
Club Accounts
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
None
Term
None
Coverdell ESA
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Term
None
Roth / Traditional IRA Share
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Term
None
Brilliant Kids Savings
Dividend Rate
10.00%
APY*
10.38%
Minimum Balance to Open
$5.00
Term
None

Home Equity Rates

Loan Type
Term (Years)
Rate
APR*
Variable Home Equity Line of Credit
Term (Years)
up to 25
Rate as low as
7.50%
APR* as low as
7.50%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
11.50%
APR* as low as
11.50%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
12.50%
APR* as low as
12.50%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
3/1 ARM
Term (Years)
30
Points
0.00
Rate
5.500%
APR* as low as
5.545%
10/1 ARM (ITIN)
Term (Years)
30
Points
0.00
Rate
7.250%
APR* as low as
7.300%
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
7.000%
APR* as low as
7.050%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
6.625%
APR* as low as
6.689%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.375%
APR* as low as
6.454%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.125%
APR* as low as
6.236%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.500%
APR* as low as
7.551%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
Dividend Rate
3.20%
APY*
3.25%
Minimum Balance to Open
$500
IRA 12 months
Dividend Rate
3.69%
APY*
3.75%
Minimum Balance to Open
$500
IRA 24 months
Dividend Rate
3.45%
APY*
3.50%
Minimum Balance to Open
$500
IRA 36 months
Dividend Rate
3.15%
APY*
3.20%
Minimum Balance to Open
$500
Share 06 months
Dividend Rate
3.20%
APY*
3.25%
Minimum Balance to Open
$500
Share 12 months
Dividend Rate
3.69%
APY*
3.75%
Minimum Balance to Open
$500
Share 24 months
Dividend Rate
3.45%
APY*
3.50%
Minimum Balance to Open
$500
Share 36 months
Dividend Rate
3.15%
APY*
3.20%
Minimum Balance to Open
$500
Share 48 months
Dividend Rate
3.06%
APY*
3.10%
Minimum Balance to Open
$500
Share 60 months
Dividend Rate
3.01%
APY*
3.05%
Minimum Balance to Open
$500

Interested in learning more? We’d love to speak with you.

Fill out our form, and a representative from Spectra CU will be in touch as soon as possible.
Get StartedContact Us

Interested in learning more? We’d love to speak with you.

Fill out our form and a representative from Spectra Investment Services will be in touch as soon as possible.
Contact

Horace Daniel ChFEBC, CRPC
conferred by College for Financial Planning
LPL Financial Advisor
‍(301) 839-8826

‍Madea Badio
Program Coordinator
mbadio@spectracu.com
(301) 749-4806

Disclosures

1Your direct deposit will be credited to your Spectra Credit Union account up to two (2) business days early. Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. Spectra Credit Union cannot assume any liability for not depositing these funds to your account early. Membership eligibility requirements must be met.

*APY = Annual Percentage Yield

For all Money Market accounts:

1Minimum balance to earn stated dividends is $2,500. Dividends are compounded daily from the date of deposit to the date of withdrawal and are credited to your account monthly. Fees could reduce the earnings on the account. Rates may change after the account is opened. Spectra reserves the right to change rates at any time without further notice.

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5440 Cherokee Ave, Ste 200
Alexandria, VA 22312-2321

(301) 839-8400
(800) 526-6661
Routing/ABA # 254075043
NMLS# 491160
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